Cottage Coverage

Contents and cottages or cabins of any size can be protected with a range of Unica insurance coverage options and may qualify for substantial discounts.

Enjoy your time at the cottage knowing your seasonal home is protected with Unica’s expertly-crafted cottage insurance coverage.

Coverage for sheds, docks and hot tubs
Burglary coverage on personal property
Vandalism coverage on building & personal property
Removal of debris due to an insured loss
Guaranteed replacement cost available
Fire department charges
Rainfall overflows the troughs of a home.

WATERtight™ protection

WATERtight protection is a comprehensive single-product solution that provides coverage for damage caused by Overland Flooding, Ground Water, Surface Water, and Sewer Backup. Available on Homeowners, Condominium, Seasonal Homeowner, Tenant, and Rented Dwellings.

Find a broker in your neighbourhood.

Cottage deck with Muskoka chairs

5 tips for insuring your cottage

For most cottage owners, their getaway destination is a chance to unwind from the daily hustle and bustle. Keep your cottage stress-free by making sure it’s adequately insured and safe from preventable losses by following these tips: 1. Secondary or...
Read article - 5 tips for insuring your cottage


At Unica, we’ve built our reputation by putting people first. We’ll handle your claim as quickly and as worry-free as possible.
Two teens wearing life jackets, in a paddle boat on a lake.
After a break-and-enter on our property, Unica’s Adjuster took on our claim and had everything under control to our utmost satisfaction. She was not only comforting during this distressful time but also had repairs quickly scheduled and handled by a contractor. The service was amazing and reassured us that we’re with the right insurance company.
Victor G. | Huntsville
A customer service representative speaking on the phone.
A snowmobile accident left me with several injuries. After direction from my Broker, Unica met me at work and I immediately felt that I’m with an insurance company that honestly cares. Your team helped me to recover—I wish you knew just how much I embraced the manner I was being taken care of!
Ron D. | Collingwood ON